Frictionless 3DS
Optimise your 3D Secure strategy to minimise customer friction while maintaining high authorisation rates. Cardflo's frictionless 3DS solution intelligently applies authentication only when necessary, balancing security requirements with a seamless customer experience. This approach helps reduce abandonment rates.
What you get.
- Dynamic 3DS application based on transaction risk and issuer requirements
- Configurable rules engine for fine-tuning authentication thresholds
- Support for 3DS2 and fallback to 3DS1 where needed
- Reduced cart abandonment due to fewer authentication steps
- Improved authorisation rates by meeting regulatory mandates
- Real-time analytics on 3DS performance and challenge rates
Common questions.
What is frictionless 3DS?
Frictionless 3DS refers to 3D Secure authentication processes where the customer is not challenged to enter a password or code. The decision engine assesses transaction risk in the background, allowing most transactions to proceed without customer interaction, improving conversion.
How does frictionless 3DS improve conversion?
By removing unnecessary steps in the checkout process, frictionless 3DS reduces the chances of customers abandoning their purchase. Customers experience a smoother transaction flow, leading to higher completion rates compared to traditional 3D Secure challenges.
Is frictionless 3DS compliant with PSD2?
Yes, frictionless 3DS is compliant with PSD2 Strong Customer Authentication (SCA) requirements. It leverages risk-based analysis to determine when a transaction can be exempted from explicit customer challenge, while still providing the necessary security protocols.
Related features.
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